How BNPL Is Helping Credit Unions Strengthen Member Relationships
Every payment tells a story about a member’s financial life. The challenge for credit unions is that more of those stories are now being tol...
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The PaymentsJournal Podcast
Focused Content, Expert Insights and Timely News
Episodes
20 of 333 episodesDespite Rapid Change, ACH Still Anchors the Payments Industry
Even as agentic commerce, open banking, and stablecoins have captured much of the payments industry’s attention, one of the ecosystem’s most...
Embedded Finance: Banks’ New Growth Channel
In the past, a community bank in Connecticut could attract customers through physical branches and marketing efforts, but expanding beyond i...
How Leading Brands Are Building Better Digital Gift Card Experiences
The gap between good and great gift card programs is widening. While most brands offer some form of gift card, the leaders are distinguishin...
When AI Changes Fraud, Trust Becomes Everything
Trust has always been the foundation of the credit union movement. Today, that trust is facing one of its greatest tests. Artificial intelli...
The Use Cases Propelling the FedNow® Service’s Growth—and Shaping Its Future
Customers no longer measure service in days or even hours—they measure it in seconds. Whether they’re paying employees, closing on a home, m...
The Rise of Programmatic Payments and the New Compliance Challenge
A payment used to begin with a person making a decision: swiping a card, approving a transfer, or authorizing a purchase. Increasingly, that...
When Payment Choice Becomes the Expectation
No one likes waiting for a check to arrive in the mail. Today’s consumers are accustomed to instant, digital experiences, and those expectat...
Why Crypto Will Be the New Standard for Global Payouts
Many companies expect gig workers to deliver fast, reliable work—but the way they’re paid often tells a very different story. Behind the sce...
What Happens When a Credit Union Outgrows Its Accounting System
As financial institutions merge and evolve, the pressure on back-office operations grows just as quickly as it does on member-facing service...
The Missing Piece in Banks’ Identity Protection Strategy
Every bank wants to earn its customers’ trust. Today, protecting customers’ identities is just as important to earning that trust as safegua...
The Case for Not Building Your Own Remittance Stack
Entrepreneurs bring tremendous enthusiasm and energy to building their businesses, but they’re often less excited about the everyday—yet ess...
When Faster Isn’t Better: The New Rules of Business Payments
Business customers today have more ways to move money than at any point in recent memory. The arrival of near-instant payment networks like...
For Gen Z, Banking Loyalty Begins with Payments
Banking relationships often start earlier than most people realize—and they tend to last longer than expected. Roughly half of young consume...
Tap-to-Pay Gives Small Merchants a Big Advantage
A decade ago, accepting card payments at a farmers market, food truck, or pop-up shop often meant investing in bulky hardware, worrying abou...
Modern Cyber Risk Is Breaking Longstanding Security Assumptions
Modern geopolitical tensions now extend well beyond traditional statecraft. They increasingly manifest through wiper malware attacks, distri...
Inside the Tech Shift Redefining How Credit Unions Operate
Credit unions don’t want to be disadvantaged by their technology. They aim to offer members the same capabilities available at competi...
What Embedded Payments Can Solve for Small Businesses
The most expensive resource in any small business isn’t capital—it’s time. And increasingly, that time is being swallowed up by something ow...
The Growing Importance of Payments Risk Expertise
Payments risk is no longer confined to a single payment rail or transaction type. Financial institutions and businesses today must manage ri...
How Cautionary Spending Is Fueling Gift Card Purchases
Consumers may be spending more cautiously, but they’re not spending less strategically. As inflation, rising debt, and economic uncertainty...